No commission does not describe a complete rule set
Some versions of Baccarat remove the visible five-percent commission traditionally charged on winning Banker bets. They often introduce a special settlement rule instead. The phrase no commission therefore cannot tell you the expected return without information about which Banker wins receive normal payment, which receive reduced payment, and which push.
Two documented versions are the Banker-six half-pay format, often called Super 6, and EZ Baccarat, which pushes a particular Banker seven. They are not equivalent formats and should not be grouped into a single odds figure.
Super 6: winning Banker six pays half
In the common Banker-six rule, a winning Banker wager ordinarily pays even money, except when the winning Banker's final point total is six. That outcome pays a net profit of half the stake. On a hypothetical 20-unit Banker wager, an ordinary Banker victory provides 20 units of profit; a qualifying winning Banker six provides 10 units. In both cases the original 20-unit stake is returned.
A Banker hand scoring six that actually loses is not a half-pay victory: the Banker bet loses. The exception is for a winning Banker six. This version is described in Wizard of Odds: Tiger No Commission Baccarat, whose main settlement uses the Banker-six convention.
EZ Baccarat: winning three-card Banker seven pushes
EZ Baccarat pays even money on most Banker wins but handles one outcome differently. If the Banker wins with a three-card total of seven, the main Banker wager is a push. The stake is returned and there is no winning profit. On a hypothetical 20-unit wager, that exact outcome returns 20, whereas an ordinary Banker win returns 40 in total including the original stake.
It matters that this is both a Banker win and a three-card seven; the settlement is not triggered by every hand that contains a seven. The complete rule and enumeration appear in Wizard of Odds: EZ Baccarat.
How the house edges compare
For the widely analysed eight-deck configurations, standard five-percent-commission Banker has roughly 1.06% house edge, the Banker-six half-pay version roughly 1.46%, and EZ Baccarat roughly 1.02%. These figures relate to the specific rules described above; they are not universal promises for every product carrying those names.
For perspective, one percentage point of house edge means a long-run average cost of one unit per 100 units wagered. A difference of a few tenths of a percentage point matters to the mathematical comparison but does not determine the result of a single short session.
Drawing rules versus payment rules
These variants generally retain the automatic punto banco procedure: point totals use the last digit, naturals stop the drawing sequence, and predetermined conditions control third cards. The principal difference covered here is how a main Banker wager settles after the result is known. A special side bet is an additional wager with its own payout and should not be confused with the main Banker exception.
See our third-card rules guide for that standard procedure.
What to check before comparing tables
Look for a written explanation of what happens to a winning Banker six or a winning three-card Banker seven, not just a banner stating 'zero commission.' Check Tie and optional side-bet payouts separately. Do not assume a named variant has the same paytable in every location or digital product.
Neither version eliminates the underlying house advantage in its published standard form. This educational comparison is for adults and does not recommend a betting system or real-money participation.